Protecting Yourself from Artificial Intelligence (AI)-Powered Imposter Scams – Tips from KeyBank

As artificial intelligence becomes more sophisticated and accessible, financial institutions are seeing a sharp rise in a new form of fraud: AI‑powered imposter scams. These schemes use advanced tools to convincingly mimic a person’s voice, image, or behavior, making them harder to spot and more emotionally manipulative than traditional scams.


KeyBank and other financial organizations are urging consumers to stay alert as criminals adopt these emerging technologies.


A New Twist on an Old Scam

Imposter scams have long been one of the most common forms of financial fraud, but AI has dramatically raised the stakes. Using publicly available voice clips, photos, or videos—often pulled from social media—fraudsters can now replicate a person’s speech patterns or even generate realistic videos known as “deepfakes.”


These tools allow criminals to pose as:

  • Family members in urgent distress
  • Friends requesting help
  • Bank representatives seeking account information


KeyBank will never call, email, or text asking for personal credentials such as your full Social Security number, online banking username, or password. Any unexpected request for sensitive details should be considered suspicious. If someone calls you asking for this information, hang up and call your bank through a known channel.


How AI-Driven Scams Work


Voice Cloning


Scammers use AI to analyze audio samples and recreate someone’s voice with startling accuracy. Once they have a convincing imitation, they may call victims claiming:

  • A family emergency that requires immediate financial help
  • An urgent need to “verify” account information
  • Cloned voices may sound real but often struggle with natural emotion, timing, or detailed personal questions.


Deepfake Videos


Deepfake technology allows scammers to generate hyper-realistic videos of people saying or doing things they never actually said or did. These videos may exhibit subtle flaws, such as:

  • Unnatural blinking
  • Odd shadows or lighting
  • Mismatched lip movements
  • Distorted backgrounds


Such content is often designed to create urgency or emotional pressure to extract money or information.


Warning Signs to Watch For

With voice calls, be cautious if:

  • The speech sounds slightly robotic or inconsistent
  • The caller cannot answer questions only the real person would know
  • There is pressure to act immediately

With videos, be alert for:

  • Stiff or unnatural facial movements
  • Odd lighting or blurry background details
  • Poorly synced audio and video
  • Watermarks indicating the content may have been flagged or altered on social platforms


How to Protect Yourself


Experts recommend several steps to reduce your risk:


  • Verify the request: If someone claims to need money or sensitive information, contact them back using a known, trusted phone number or communication channel.
  • Be wary of urgency: Scammers rely on panic. Slow down and double-check.
  • Enable multi-factor authentication wherever possible.
  • Limit personal information you share online, especially videos and audio clips.
  • Monitor your accounts daily and report unauthorized activity immediately.
  • Stay educated: Share fraud-prevention tips with family members, particularly older adults who may be targeted more frequently.


If You Suspect You’ve Been Targeted

  • Take swift action:
  • Contact any financial institution involved.
  • File a report with the Federal Trade Commission at IdentityTheft.gov.
  • Change passwords and security questions on affected accounts.
  • Consider placing a fraud alert on your credit reports and monitoring your credit closely.


Content provided for informational and educational purposes only and is in no way to be construed as financial, investment, or legal advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal financial issues. ©2026 KeyCorp®. All rights reserved. KeyBank Member FDIC New CFMA: #260319-4233128


About the Idaho Technology Council

The Idaho Technology Council is a membership organization committed to increasing awareness of a thriving technology ecosystem statewide. We are dedicated to fostering an innovative tech community in Idaho by acting as a catalyst that brings together leaders, drives collaboration across all industries, and advocates for tech growth. As a nucleus of thought leaders, innovation, and tech advocacy, we empower government, industry, and reinvestment. Our mission is to position Idaho as a premier tech destination by attracting tech companies and talent, driving educational support and policy, convening tech leadership, and initiating conversations on emerging topics. 



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